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  Barksdale Federal Credit Union Visa Platinum Secured Credit Card

Barksdale Federal Credit Union Visa Platinum Secured Credit Card

in Personal Credit Cards from Barksdale Federal Credit Union

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Barksdale Federal Credit Union Visa Platinum Secured Credit Card

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in Personal Credit Cards from Barksdale Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 7.9%
Balance Transfer APR  (Variable APR) Starting at 7.90%
Credit Score Range 350 - 600
Annual Fee $0

Barksdale Federal Credit Union Visa Platinum Secured Credit Card Review

Barksdale Federal Credit Union Visa Platinum Secured Credit Card is a secured credit card cashback credit card issued by Barksdale Federal Credit Union. If you're wondering whether Barksdale Federal Credit Union Visa Platinum Secured Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. Barksdale Federal Credit Union Visa Platinum Secured Credit Card has a variable purchase APR of 7.9%
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Barksdale Federal Credit Union Visa Platinum Secured Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Barksdale Federal Credit Union Visa Platinum Secured Credit Card is accepted.
  • Barksdale Federal Credit Union Visa Platinum Secured Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.
Barksdale Federal Credit Union Visa Platinum Secured Credit Card FAQ

Is there a Barksdale Federal Credit Union Visa Platinum Secured Credit Card cash back or rewards program?

Barksdale Federal Credit Union Visa Platinum Secured Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Barksdale Federal Credit Union Visa Platinum Secured Credit Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

Barksdale Federal Credit Union Visa Platinum Secured Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does Barksdale Federal Credit Union Visa Platinum Secured Credit Card have a signup bonus?

Barksdale Federal Credit Union Visa Platinum Secured Credit Card doesn't offer a cash signup bonus.

Does Barksdale Federal Credit Union Visa Platinum Secured Credit Card offer an annual loyalty bonus?

Barksdale Federal Credit Union Visa Platinum Secured Credit Card doesn't offer a cash loyalty bonus.

What are the Barksdale Federal Credit Union Visa Platinum Secured Credit Card benefits?

Barksdale Federal Credit Union Visa Platinum Secured Credit Card provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Barksdale Federal Credit Union Visa Platinum Secured Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Barksdale Federal Credit Union Visa Platinum Secured Credit Card has lower than average purchase APRs.

Barksdale Federal Credit Union Visa Platinum Secured Credit Card has a variable purchase APR of 7.9%. The card has a variable balance transfer APR starting at 7.90% .

Does Barksdale Federal Credit Union Visa Platinum Secured Credit Card have an introductory APR offer on balance transfers?

No, Barksdale Federal Credit Union Visa Platinum Secured Credit Card does not come with an introductory APR offer for balance transfers.

Does Barksdale Federal Credit Union Visa Platinum Secured Credit Card have an introductory APR offer on new purchases?

Barksdale Federal Credit Union Visa Platinum Secured Credit Card does not offer an introductory rate on new purchases.

What are the fees for Barksdale Federal Credit Union Visa Platinum Secured Credit Card?

The following fees apply to Barksdale Federal Credit Union Visa Platinum Secured Credit Card:

Barksdale Federal Credit Union Visa Platinum Secured Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee $24

Does Barksdale Federal Credit Union Visa Platinum Secured Credit Card have a foreign transaction fee?

Barksdale Federal Credit Union Visa Platinum Secured Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Barksdale Federal Credit Union Visa Platinum Secured Credit Card report your account activity to credit bureaus?

Yes, Barksdale Federal Credit Union Visa Platinum Secured Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Barksdale Federal Credit Union Visa Platinum Secured Credit Card

  • Visit the Barksdale Federal Credit Union Visa Platinum Secured Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

About Barksdale Federal Credit Union Visa Platinum Secured Credit Card

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View all personal credit cards offered by Barksdale Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Starting at 1
Every Purchase (Points) Earn 1 point for every $1 spent on signature transactions
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee $24
Paper Statement Fee $3
Late Fee Amount Starting at $10
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 350 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Categories
  • Every Purchase
  • Travel
  • Online
  • In-Store Eligible Purchases
  • Select Merchants
Purchase APR (Variable APR) 7.9%
Balance Transfer APR (Variable APR) Starting at 7.90%
Balance Transfer Fee Minimum $0
Card Type
  • Rewards
  • Secured
  • Low Interest
  • Cashback
  • Bad Credit
Card Network Visa

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